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<br /> Boaowsr'��tCrow�cCOUnt undK th�Ndaral RN11 E1t�to&�ltllm�nt Proc�dure�Aot ot 1974 rs�mand�d trom tkn� to tkrN, 12 U.S.C.
<br /> 26p1 �f soq,("F�SPA"),unb�s�nothK yw thal�pplMs to Ih�Fundi s�ta�wseK amaunt. I}ao,Lander may,at�ny tlm�,coN�ct�nd
<br /> hold Fundt In �n smount not to oxaMd tho Msur �mount. L�nd�r may ostlmato th�emount ol fund�s dus on th�baeh of cumnl data
<br /> and nnn�tombM n►knat�a of�xpMdRuns o1 tuturo Etcrpw Itemt or olhprwiso �n uccordance with appl�abte law.
<br /> 'fh� Fundf� ehaN b� h�ld In Rn InatRut�on who6� dipofite �r� x�surad by a tsderal ��Rncy, In�trumdntality, or antNy !lncludn�
<br /> �end�r, N L�nd�r b suah rn InstRutbn) or in �ny FM�r�I Hqm� lo�n Bank, Und�r s�a�l�pplV the Funds to p�y Ih� Esc�ow Il�rns.
<br /> L�ndar may �ol oh�rps Borrowtr tor holdhp and �pplylny th�Fundt, �nnu�lly �nnlyxinp ths stscrow account, or ver'ifylny ths Escrow �
<br /> It«ns,unMtf L�ndK p1►ys Borrower intsnst on th»�undi�nd�pp��c�bw I�w pNmMs l�nd�r to mak�suoh�ohup�• Howw�r,L�ndu
<br /> may rsquk�Bonowsr to pay a an�ttm� ahsrp�tor�n Ind�p�nd�nt nal�atets lox reportk►q aervbe ussd by Undsn c�onneatbn wkh '�
<br /> thh lo�n,unNss�ppBCabM kw provldea othYrwk�. UnMSe �n�qnsm�nt b made or�pplicaba law requket Ir�tcros! to h�pald,l.ende* � -_-
<br /> shaN not b�nqufnd to pay Borcowsr�ny htu�st or�rn�npe on th�Funda. Borrow�r and L�ndar may aprw h writinp, howw�t,Ihat M
<br /> (ntK�st sha! b� p�kl on the Funds. L�nd�r sh�l piw t� Borrower, without charp�, an annual accounthp ol th� Funds, showiny
<br /> andka and d�bks to ths Funds�nd th�purpoi� lor whbh aoh doblt to the Fundn was made. The Funds or�pledped�s addRianal
<br /> aaCUrtty tor aM suma s�CUred hy thls Ssourfly In6trument.
<br /> U th�Funda h�W by Lander exc�sd lhs amounle permitted to b� hald by �pplkable ww, Lender shel��ccount to Bortower lor Ih�
<br /> �xcas Funds in a�:cordanca wkh th� requkamsnts oi epp►�ceda 4w. It the amo��nt ol the Funds hsld by Londor et any tkrw ts not
<br /> suMicMnt to p�y tha Escrow Items wh�n due, L�ndK m�y so notHy Borrowx k�writing,and,h suCh case Bonowar shall pay to Land�r
<br /> tha u�nount n�cessary to make up thp dellaMnoy. Bortowsr ehall meka up the dYfbWnoy In no more than twoNe monthly pnyments,at
<br /> �end�r's toM discrstbn.
<br /> Upon p�ym�nt In lu�t ot aU aums s�cund by tAK S�curky Inttrum�nt, L�nd�r shtli promptly refund ta Botrowar �ny Funds held by
<br /> Lond�r. If,u�tNr par�9nph 21,L�nd�r eh�ll aaquY� or e�ll lh�Property,Lsndu� p�br tu tha acqubkbn or atN oi t�� Prop�rtY, shaN
<br /> +�PPM any Funda hald by L�nd�r Rt th�tim� ot�aqukkbn or eaw�s a crsd�l ayahs!th� sums aacuad by this Sscurly InsWrtwnt.
<br /> 3. Appli�aatlon of Peyments. UnMss �pplic�bM kw providas olherwlso,all p�ymsnts receNatl by 4�dar unda'p�ap+�Phs
<br /> 1 urd 2 shaN M�ppWd: tkst,to �ny prapaym�nt chary�s duv undor th�Notr, second, tn amounts pay�bM undar psTCU77Ph 2; thlyd
<br /> to hta/Yat due;fourth,ro pnc�tpal dw; an� kst, to eny Iflte oharpes due under tho Note.
<br /> 4. CIIMQQf; LIQIIS. BorrowK ehaU pay �M hxes, �ssoitments, Ch�rpes, lines and knpositbna attributnbk to th� Propsrty
<br /> whlCh may �ttsin prbrity ovar this SecurAy Instrum9�t, �nd leasbhold payment6 or pround rants, if eny. �ortowlr sh�n pay th�s�
<br /> obNp�tion�h tica mann�r pravld�d in panprapA 2,or H not p�ld In that mann�r,Borrower ehall pay thom on ilme diroctiy to th�p�son
<br /> pw�d payrn�nt. Bortowar sh�A prompty tumhh to L�nde aH notb�e o1 amounts to bo ptld under thts parap.-s►ph. If Barowa n'iakse
<br /> th�s�paymants dWclly,Bntrow�r shYN promptly lumish to Undar ncspts svideneiny the paymsnts.
<br /> BOrrow�r RhaN prOmptly discharp��ny Ben wh�Ch hss Nrbrity owr thb Socurity Instrument unbss Bortower: (a)eBrous In wrkinp to
<br /> tM paym�nt of th�obl(�tbn socur�d by th�lie�in a mann�r aCCYpUbk to Under; (b) contesta h pood IaUh She Ite� by, or d�hnds
<br /> �p�Mst�n1or+:�nent of tha Ikn h, lepal proc�adinpe whtch In th�lond�r's opinbn operata to prewnt the enforcamenl ol th� IMn; or(c)
<br /> socures from the hck+er ot the lien�n �qra�rtNnt utbl�ctory to unOw wbaranamp cn� iien iu ir��s �.ur�ty szstumassl. It!M+�
<br /> dNermYHS that �ny paK of the Property fs subjecl to � lien whlCh may �ttah prbrity over thls Sacurity In6trument, lendsr may �ive
<br /> Borroww a noti�ida+tifylnq the lien. Bortower sAeH aetlafy the Ibn or tske one or more ot the actbns set (orth above withln 10 d�ys
<br /> o}tM plvinp of not�e.
<br /> 6. H�serd or Property Inaurence. Borrow6r 8hall keep ►h� imprOV6ments now exlsthp or hK�aftM enCt�d On th�
<br /> Propwty Insurod�yeinst bss by fk�, haLrds fncbded withfn the term "ex�snded covxefle"and any othN harards,hcludY�p lbods or
<br /> Moodhp, for which L�nder requiras insurNnC�. Thls hsur�nce shall be mainlafned In th� �mounts end tot th� p�rtods that L.M�d�r
<br /> rpuk�s. Tha In6ur�nca Cutfgr provldinp the hsunnca shall ba chosan by Borrower subj�ct to Und�r'e approv�tl whkh ahaM not W
<br /> utxNaon�by wkhMld. If Borrow�fatb to mainuln cowr�ye dsscribad above, Lander moy,at Lsnd�r's optbn,obt�b cow�tapr to
<br /> prot�ct I.�ndws rtpht� h th�Prop«ty h�ccordanC� witA ptnqroph 7.
<br /> AN InsunnC�poYcMe and��r►�+x�ls sh�U b� �cC�pt�bl�lp Landvr�nd sh�ll include a et�ndud moRq�y�eMus�. LondK ahaN hav�
<br /> th��ht to hold th� poWoks�nd nn�wels. It L�nd�r nqutns, Borcower shtp prompty pIw to L�nd�r atl ncNpti af p�kt pnmlum�
<br /> and r�nwv�l nollcM. In ths wrant of bss, Bonower shall plvs prompt notia to th� insuranc�carcler and L�ndsr,l�ndK maY rrMk�
<br /> prool o}bss N not mad�prompty by Borcow�r.
<br /> UnIKS t�end�uid BorrOw�►othKwlso�qras In writlnp,Ineunnco procwds sh��l be applfed to re5toratlon or np�ir of th�PropKly
<br /> alerrwq�d, N iM nttoratbn or np�Ir fa �conomfclNy }NSbN �nd L�ndK'e seCUrity b not NssMSd. If th� nstonlbn or rp�k fs not
<br /> �conomctNy has�bk or L�ndK's e�curiry woutd b� Mas�nod, th� Incunnc�proce�ds ahaH bs epplled to th� Sums s�cur�d by thb
<br /> Sacuriry Inatrument, whethw or not thon dw, wIh �ny �xcsss patd to Borrower. If Borrower abandons th� Proparty, or do�s not
<br /> answ4►wUhk+ 30 d�ya • not�o kom LenWr thn ths Insuranco carrfsr has oftsred to settb a clakn, then Londer rn�y coM�ct th�
<br /> hsunnc� ptoceeds• LMd�r rru�y us� the proaeds to npaM pr restors ths Propsrty or to pay sums aacurW by thh S�curity
<br /> InetrumMtt,wMlhw or not then due.Tha 30�day p�rbd will bepin when tne notbe Is nfvsn.
<br /> UnNss Und�r�nd Borcowe� othsrwlso ayrw h writinp,any applicatbn ol proceeds to Fr{ncfpnl shell not extend or postpona th�
<br /> due d�b of ths monthy pnyments relerred to in panpraphs t and 2 or ohanpe th�amount of tho paymants. If undx panflr�ph 21
<br /> th�PropKty is aoquked by Lendsr,Borcowers ripnt to�ny Insurence pol�Ies ond proceeds resuhlnp hom damaps to th�PropKty pvior
<br /> to tha aaqulsitlon ahaN pass to Lender to the extent ot the �ums secured by this Securily Instrumant knm�dlatob prior to t�b
<br /> acquiskbn.
<br /> 6. Occupancy, Preaervatlon� Melntenance snd Protection of the Property; Borrowar'� Loan
<br /> Apptteetion; Lessehotds. BoROwar shall xcupy, establfsh,and use the Property as 3or�ower's principal residence wRhtn sbcty
<br /> tleys BRir ths exeoutlon ot thfs SeCUrily Instrumenl flnd Sh�ll Conthue to oCCUpy the Proporty BS Borrower's pr{nc�al roE1dMC� �or tt
<br /> le�st on� year YRer lhe dete ot oCCUpancy, un�ess Lender otherwlse agrees h writlnq, whfch Consmt shalf not be unroasonaby
<br /> - wRhhald,o�unkSi�xtanuUtlnp CkCUmStenCY9 exlSt whbh are bey0nd BOrcOwBr6 Control. Borcower Shall not deSttOy, damap�or fmpat
<br /> ttu P�opKty,albw tha Prop�ty to deturbran, ar commR wa3te on the Property. Borrower shall be k� detauR M enr foAekure eatbn or
<br /> prxMd'nQ,wlNther Clvil or Crfminal, Is bepun that In LonAa's qood taith�udyment could rosuk In foAefture af the Property or otherwlsa
<br /> ....wLW �...,..y eh. i�. r.nated bv �hls Socurev Inswrtwnt or LendePa securily Interest. Bortower may cure suc� a dafauk and
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<br /> ralnstate, es provlded in panprnph 19,by caushp the ectbn or proCeodhfl lo be dlsmissed with a rulhg that, In Lende�s pood faRh
<br /> determhatbn, praoludes fortekure of tho BoROwir's nterest h the Property or other mnteriel knpakment of the Nan croated by thK
<br /> 5ocurity InsWmant or Lendars sacur�ty interest. Bortoww shall also be �n de�auN H Borrower, dur{nq tho Ioan applicatbn process,
<br /> yava matarfnHy inlse or inaCCUrata Intormatbn or stntamenl9 to Lender (or lafled tu p�ovtde Lender with any rtuterlal h}ormatbn) h
<br /> connectbn wRh the bsn evldenced by the Note,hcA,d�►q, but not I�mited to,representet�ons concemhp Bortower's accupency of the
<br /> Propaty os ■ prinCtpel resldence. If thls Si►ccurity Instrument IS on a leesahold, Borrower shall compy wRh alt the provlsbns of the
<br /> Mese. I} borrower acpukes lee tRte to the Property, the lea3ehold and Iha lee title shan not merpe unless the Lender ayrees to the
<br /> merQsr In wrRinp. Fo�m su�a e;oo
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